How to earn Qantas Points on a business credit card
A Qantas Points earning business credit card allows your business to earn points on eligible business expenses, such as advertising, office supplies, and travel.
Most cards either earn points directly to a Qantas Frequent Flyer account, or via a Qantas Business Rewards account, which can then be used to book flights, upgrades or other rewards.
The card itself works like a standard credit card (or charge card). You’ll receive a monthly statement and, in most cases, can avoid paying interest by paying the balance in full by the due date.
Like all reward credit cards, these cards are best suited to businesses that use them for regular expenses and pay them off each month to maximise the value of the points earned without incurring extra costs.
How to boost your business’ Qantas Points balance:
Use your card for high value business expenses
One of the easiest ways to boost Qantas Points is to use your business credit card for your largest eligible expenses. This can include advertising, software subscriptions, and business travel, and potentially ATO payments if your card allows points on government spending. Focusing on higher value, recurring costs allows points to build faster without increasing overall spending.
Understand which purchases earn the most points
Not all transactions earn points at the same rate. Many business credit cards apply lower earn rates or caps to certain spending types, such as government charges. Checking how your main expense categories are treated can help ensure you’re earning points where it counts.
Make the most of bonus points offers
Many Qantas Points business credit cards offer large bonus points for new customers, but these deals often come with conditions. To maximise value, check the minimum spend required, the timeframe to qualify and whether the bonus is paid in stages. Planning major purchases around a bonus offer can help you meet the criteria sooner and unlock a significant points boost early on.
Use employee cards strategically
Issuing employee cards can significantly increase the amount of spending that earns Qantas Points. When used with clear limits and spending rules, employee cards allow more everyday business expenses to earn rewards, while still keeping overall costs and cash flow under control.
What business expenses can I use Qantas points for?
Qantas Points earned through your business credit card can typically be used for:
- Qantas flights and upgrades
- Wine and gift cards
- Hotel stays and car hire
- Additional baggage and seat selection
- Qantas Marketplace - use your points on over 30,000 products including tech, gift cards, and luggage.
How to choose the best Qantas Points earning business credit card
Choosing a business credit card that earns Qantas Points comes down to matching a card’s features with how your business spends and manages cash flow. While there is no single best card for everyone, the right one for you depends on how you plan to use it, how much you’ll spend, and what benefits matter most to your business.
Look at which purchases earn you points
When it comes to business credit cards, not all spending categories are treated equally. Some cards reward everyday business expenses more generously than others, while some have caps or reduced earn rates on certain transactions. Knowing where most of your spending will go will help you choose a card that rewards those spending categories.
Consider the purchase rate and ongoing fees
It’s important to compare the purchase interest rate and fees on various cards. That includes the annual card fee, FX fees and any extra fees for employee cards. In short, you want to ensure the card delivers genuine value for your business.
To give you a starting benchmark, Money.com.au analysis shows that the average purchase rate for a Qantas Points earning business credit is around 18.88% p.a., with an average annual fee of $195.
Think about employee cards and additional benefits
If you will be issuing cards to staff, look at how many cards you can add, whether there are extra fees, and whether spending limits are available. Some cards also include travel perks or insurance, which may be valuable if your team travels often.
Factor in large business expenses
If your business regularly makes large purchases, consider cards that come with higher earn rates caps or generous bonus offers to make the most of those big expenses.
How far can Qantas points go for your business?
A strong Qantas Points balance gives businesses plenty of choice when it comes to redeeming rewards. Whether you prioritise travel, accommodation, a nice bottle of wine, or everyday tech, points can stretch across multiple categories.
To show what that looks like in practice, here’s how 500,000 Qantas Points could be spent across a mix of real-world rewards.
Flights:
63,500 is enough for a one-way economy flight from Sydney to Heathrow. With a large balance you could book two one way flights, effectively covering a return trip for one traveller, for 127,000 points.
Accommodation:
Once you arrive, accommodation can also be covered with points. A night at Hotel Indigo London costs around 58,598 points. Booking two nights would use 117,196 points, taking care of most of your stay in London.
Wine:
Points don’t stop at travel. Through Qantas Wine, 41,400 points can be redeemed for a bottle of Mitolo Scylla Nero d’Avola 2024. Redeeming three bottles uses 124,200 points, turning part of your balance into something to enjoy back home.
Tech:
For something practical, 30,660 points is enough for a pair of Apple - Airpods 4 from the Qantas Marketplace. Redeeming three pairs, for yourself or as gifts, costs 91,980 points.
All up that comes to 460,376, that’s still under the 500,000 point mark and covers multiple items. It’s a strong example of how Qantas Points earned on a business credit card can stretch across travel and lifestyle purchases, delivering value well beyond flights alone.
What fees and costs apply to Qantas Points earning credit cards?
Annual card fee: This is the main ongoing cost of holding the card. Annual fees can range from under $100 on basic cards to $400 plus on premium Qantas Points business cards. Some cards offer a discounted annual fee, while $0 annual fee credit cards allow new customers to avoid paying an annual fee for the first year.
Purchase interest rate: If you don’t pay your balance in full by the due date, interest is charged on outstanding purchases. Purchase rates on Qantas Points business credit cards often sit in the high-teens to low 20% range.
Foreign transaction (FX) fee: This fee applies when you make purchases in a foreign currency or with an overseas business. It’s commonly around 3% of the transaction value, which can add up quickly for businesses with international suppliers or travel expenses.
Cash advance fee: Using your card to withdraw cash usually incurs a fee, often around 2-3% of the amount withdrawn.
Late payment fee: If you miss a repayment deadline, a late payment fee may apply. This can be around $15-$30, depending on the provider, and can also impact your business or personal credit history.
Additional cardholder (employee card) fees: Some business cards charge a fee for issuing extra employee cards, while others include multiple additional cards at no extra cost.
Rewards program or account fees: Some cards include complimentary Qantas Business Rewards membership, while others may require a separate membership fee if it’s not included. Always check whether rewards program access is bundled into the card fee.
Is a Qantas Points business credit card worth it?
Tom White, Director, The Best Backyard
"Having a Qantas points credit card has made running our business easier by allowing us to earn Qantas Points on business expenses we were already paying, which we can then use to reduce travel costs for the business and our team. We've also been able to consolidate spending which was previously spread across bank transfers and other debit cards which makes expense tracking easier."
“If your business has regular expenses or travel then I think a Qantas Points earning card makes a lot of sense. You’re not spending more - you’re just getting something back from money you’re already spending. Even if you don't do much business travel you can transfer the points to your own Qantas frequent flyer account or use them as bonuses for your team - or you use the points to purchase gift cards or products in the Qantas marketplace for example.”
Tom White, Director, The Best Backyard
Are you eligible for a Qantas points earning business credit card?
To qualify for a Qantas points earning business credit card, most applicants will need to meet the criteria below:
- Be aged 18 years or over
- Be an Australian citizen or permanent resident
- Be a director, owner or controller of the business
- Hold a valid ABN
- Meet the provider’s minimum annual turnover requirements (often around $75,000 but this can vary)
- Have a good personal and/ or business credit history, with no recent payment defaults.
Some providers may also decline applications from businesses with outstanding ATO repayment arrangements, depending on the circumstances.
How to apply for a Qantas Points business credit card
Details of your personal income, as well as your business revenue and expenses
A summary of your assets and liabilities
Your driver’s licence or other acceptable identification
Business details as recorded with ASIC
Depending on the provider, you may also be asked to provide contact details for your accountant or financial controller.
Once approved, you’ll be able to link your card to a Qantas Frequent Flyer or Qantas Business Rewards account (depending on the card) and start earning Qantas Points on eligible purchases.
